S&T Bancorp, Inc.

Welcome to the S&P Bancorp first quarter 2026 earnings conference call. After the management's remarks, there will be a question and answer session. Now, I would like to turn the call over to Chief Financial Officer Mark Kochvar. Please go ahead.

Thank you. Good afternoon, everyone. Thank you for participating in today's earnings call. Before beginning the presentation, I want to take time to refer you to our statement about forward-looking statements and risk factors. This statement provides the cautionary language required by the Securities and Exchange Commission for forward-looking statements that may be included in this presentation. A copy of the first quarter of 2026 earnings release, as well as this earnings supplement slide deck, can be obtained by clicking on the materials button in the lower right section of your screen. This will open up a panel on the right where you can download these items. You can also obtain a copy of these materials by visiting our investor relations website at stbankcorp.com. With me today are Chris McCommish, S&T's CEO, and Dave Antolik, S&T's president. I'd now like to turn the program over to Chris.

Mark, thank you. And I want to welcome everybody to the call. Good afternoon. We appreciate the analysts being here with us, and we look forward to your questions. I'm going to begin my comments on page three. Before I do that, though, I want to just reflect on the busy week that it's been here in western Pennsylvania and in Pittsburgh. as Pittsburgh is the center of the sporting universe with the NFL draft taking place starting today. Mark, Dave, and I are actually coming to you from the S&T Bank draft headquarters in downtown Pittsburgh, where there's been quite a buzz. We have significant customer engagement events going on, which actually started yesterday evening. And, you know, it's very gratifying to see the impact our bank has on the markets we serve and the customer relationships that we've built. A big thank you to our employees and teammates who are leading the charge building our People Forward Bank. We're seeing it firsthand this week with all of these interactions. Turning to the quarter, our $35 million in net income equates to $0.94 per share, up almost 6% from Q4 2025 and 8% from the first quarter a year ago. Returns metrics were strong again this quarter, highlighted by a 144 ROA. up seven basis points in an ROTCE of 1322, which was up almost 1% over Q4 2025. Almost $50 million in buybacks in the quarter played a key role in this ROTCE improvement. Our NIM and efficiency ratios remain solid at 392 and 55.3%, and Mark will provide more color here. Asset quality showed good improvement over the last quarter, and Dave will provide more color on both asset quality and loan growth. Turning to page four, I'd like to focus on our strong deposit growth. For the quarter, our customer deposit growth was up over $300 million. We achieved the highest level of customer deposit growth in the 125-year history of our company, surpassing $8 billion. This growth was broad-based with all lines of business contributing and all product categories showing growth. In fact, we showed growth in more than 80% of our branches in the market, which is a real testament to the great work our employees are doing with customers every day and the discipline customer engagement processes that we've built. It really is a strong reflection of the customer relationships that we have. This deposit growth allowed us to reduce wholesale fundings by almost $200 million in the quarter. And the quality of the growth was quite strong as our DDA levels relative to total deposits increased to 28% in the quarter, up 1% from Q4 2025. While I'd love to be able to tell you that I will be able to repeat another 16% annualized growth in Q2, we do want to make sure that we're realistic, as there are always temporary fluctuations in deposit balances. We've done an analysis, and we do see some seasonal or temporary growth in these balances. However, our analysis would tell you that $150 to $200 million of this growth is what we define as solid core growth in our customer deposit base. Again, even at this level would be one of the best quarters we've had in our history. So I'll stop right there and turn it over to Dave, and he can touch on asset quality and loan growth. Great.